What to Do After a Car Accident: A Step-by-Step Guide

A car accident can be a stressful and overwhelming experience, but knowing what steps to take immediately afterward can protect your rights and help you navigate insurance claims or legal issues. Whether it’s a minor fender bender or a serious collision, taking the right actions can make a big difference in the outcome.

At Ashley Ownby, Attorney at Law, we help accident victims in Tennessee understand their rights and seek the compensation they deserve. This guide outlines the essential steps to take after a car accident.

1. Check for Injuries and Call 911

Your safety and the safety of others should be your top priority.

• Check yourself and passengers for injuries.
• If anyone is hurt, call 911 immediately.
• Even if injuries seem minor, seek medical attention as some injuries appear hours or days later.
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If the accident is serious or blocking traffic, request police assistance so they can document the scene.

2. Move to a Safe Location (If Possible)

If the vehicles are drivable and there are no serious injuries, move to the side of the road to prevent further accidents. Turn on hazard lights and use warning triangles or flares if available.

If moving the vehicles isn’t safe, stay inside with your seatbelt on until help arrives.

3. Call the Police and Get an Official Report

In Tennessee, you must report an accident if it involves injuries, death, or property damage over $1,500. Even for minor accidents, having a police report can help with insurance claims and legal issues.

• Cooperate with officers but stick to the facts.
• Do not admit fault, as fault determination is handled by investigators and insurance companies.
• Request a copy of the accident report for your records.

4. Exchange Information with the Other Driver

Gather essential details from the other driver(s) involved, including:

• Name, address, and phone number
• Driver’s license number
• License plate number
• Insurance company and policy number
• Vehicle make, model, and color

Avoid discussing blame or fault with the other driver. Keep the conversation focused on exchanging necessary information.

5. Gather Evidence at the Scene

If it’s safe to do so, document the accident scene to protect yourself in case of disputes.

• Take photos of all vehicles, damages, skid marks, road signs, and traffic signals.
• Capture the accident location from different angles.
• Get contact information from any witnesses.
• Note weather and road conditions at the time of the accident.

6. Notify Your Insurance Company

Report the accident to your insurance provider as soon as possible. Provide accurate details, but avoid speculating or admitting fault.

• Ask about coverage for medical expenses, vehicle repairs, and rental cars.
• Follow up on claim processing and keep records of all communications.

7. Seek Medical Attention (Even If You Feel Fine)

Some injuries, like whiplash or internal injuries, don’t show immediate symptoms. See a doctor soon after the accident to ensure you’re not overlooking any medical concerns.

• Keep copies of medical reports and bills for insurance and legal purposes.
• Follow all prescribed treatments to support your recovery.

8. Watch Out for Insurance Adjusters

Insurance adjusters may contact you for a statement or offer a quick settlement. Be cautious:

• Do not give recorded statements without legal advice.
• Do not accept a settlement without understanding the full extent of your injuries and damages.
• Consult an attorney before signing any documents.

9. Understand Your Legal Rights

If you were injured due to another driver’s negligence, you may be entitled to compensation for:

• Medical expenses
• Lost wages
• Pain and suffering
• Property damage

A personal injury attorney can help you determine if you have a case and ensure you receive fair compensation.

10. Contact a Car Accident Attorney

If you’re dealing with injuries, insurance disputes, or an at-fault driver without insurance, legal representation can protect your rights. At Ashley Ownby, Attorney at Law, we help car accident victims navigate the legal process and fight for the compensation they deserve.

Get Legal Help Today

If you’ve been in a car accident and need legal guidance, contact Ashley Ownby, Attorney at Law. We offer expert advice and representation to protect your rights and help you move forward.